For performers, creators and adult businesses whose bank, credit union or payment accounts were closed

“The nature of your business” is not a risk analysis.

Remonstrance keeps a dated record of every closure — the institution, the reason it gave in its own words, what came back and what is still held — and drafts the complaint to the regulator that supervises it, quoting the 2025 fair-banking order and asking for supervisory review. It says plainly that the order is not a right to sue.

Open the demo See pricing

Opens in this browser with an invented creator already in it. No account, no email address, nothing installed.

Remonstrance with its example records in it

Open the free demo →

The problem

The order told regulators to look. A complaint is how they hear.

Executive Order 14331 of August 2025 told the federal banking regulators to remove reputation risk from their guidance and to review institutions for politicized or unlawful debanking — including closing accounts over lawful business activities the provider disfavors. It creates no right to sue. What it gives a debanked business is a regulator told to look, and a complaint built on dates.

EO 14331

“Guaranteeing Fair Banking for All Americans”, August 2025.

The White House →

Reputation risk

regulators were told to remove it from their guidance and review institutions’ practices.

The White House →

No right to sue

the order says it creates no right enforceable at law. The complaint is the lever.

Will not send a complaint that is not ready.

Not a reminder. I sent the complaint refuses, with the reason named, while the closure is incomplete, no notice from the institution is fingerprinted, the institution has not first been asked in writing for its specific reason, or the business is not described. There is no override.

How it works

Closures, the packet, your business

Record each closure

The institution and its kind, the account’s last four digits, the notice date, their reason in their words, and what is still held.

Build the packet

The timeline, their notices fingerprinted in your browser, and the complaint drafted to the OCC, the Fed, the FDIC, the NCUA or the CFPB.

Describe the business

Who you are and what the lawful business does, in the words the complaint quotes.

What it will never do

It drafts the complaint. It sends nothing.

Remonstrance builds the packet. You send it to the regulator yourself.

No full account numbers.The last four digits only.

No files kept.Each notice is fingerprinted and stays on your disk.

It is not a lawyer.Not legal advice, and the order is not a right to sue.

It never touches a payment.The packet is for software.

Pricing

Priced per packet

Against weeks of frozen money.

Most closures

One packet

$49 per packet

One closure, one complaint.

The dated closure record
The right regulator, worked out
The complaint drafted

Three packets

$99 for three

A bank and two payment apps at once.

Everything in One packet
A packet per institution
Export for your lawyer

One-time payment. Your bank statement says Remonstrance Software. Refunded in full on request within 30 days if no complaint has been marked sent. Your licence key is emailed to you within two working days of payment.

Checkout is our own bitcoin server, not a card processor — nobody we had to apply to and nobody who can close the account. The button takes you straight to it. Give your email address there — that is where your key is sent.

Questions

The ones we actually get asked

Which regulator do I complain to?

It depends on the institution: the OCC for national banks, the Federal Reserve for member state banks, the FDIC for other state banks, the NCUA for credit unions, and the CFPB and your state for payment apps.

Why ask the bank for its reason first?

Because the complaint is stronger with their answer, or their silence, on the record. Remonstrance asks you to do it first.

Can I sue under the order?

No. Section 8(c) says it creates no right enforceable at law. Remonstrance says so in the complaint.

Is this legal advice?

No. It is the record you wish you had kept.

What do I actually get when I pay?

The demo on this page is the whole program, running on invented records. Paying gets you a licence key — one line of text, emailed to the address you give at checkout within two working days. Paste it into the program and from then on it keeps your own records. Until then, nothing you type into it is kept.

The key is checked inside the page, on your own machine. It never calls us, so there is still no account and nothing about your business goes anywhere. If you ever stop paying, your records stay exactly where they are, read-only, and Export still hands you every one of them.